Frequently asked questions

Who covers the costs of an accident abroad?

Accident insurance under the Swiss Federal Accident Insurance Act (UVG) covers rescue and recovery costs, as well as travel and transport costs (repatriation), up to one fifth of your insured annual salary, capped at CHF 29,640 (as of 2026).

For example, if you earn CHF 5,500 per month, your annual salary amounts to CHF 71,500, based on 13 salary payments. Your rescue, recovery and repatriation costs are therefore covered up to a maximum of CHF 14,300.

As in Switzerland, many people face a gap in insurance coverage for accidents abroad. People who are not in employment, such as children, students, homemakers and retirees, are not covered for emergency rescue transport abroad or repatriation under the accident cover included in compulsory health insurance. Suitable supplementary insurance, such as one of the SOS144 policies, can help you extend your coverage.


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SOS144
from CHF 79.- /year

22 centimes/day

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SOS144 Pro
from CHF 147.- /year

40 centimes/day

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SOS144 Max
from CHF 219.- /year

60 centimes/day

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For visitors to Switzerland
SOS144 Go
from CHF 35.- /trip

individual / CHF 62.- family · max. 31 days

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14-day right of withdrawal
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